NPP Last Domestic Leg

NPP Last Domestic Leg lets eligible remittance customers complete the final domestic leg of an International Funds Transfer Instruction (IFTI) in real time over the New Payments Platform (NPP), in AUD, instead of via Direct Entry (DE) or RTGS. The required international transfer information is carried on the payment.

It provides richer data and stronger financial-crime controls on the domestic leg of inbound international payments. Zai connects to NPP through Cuscal.

Key benefits

Real-time settlement of the final domestic leg, removing the multi-day wait of DE/RTGS — important for remittance recipients.
Real-time status tracking via webhooks.
Richer compliance data carried with each payment to support NPP Last Domestic leg data requirements.

Eligibility and access (read first)

❗️
IPS Payer is not self-service
It is enabled only after a dedicated onboarding and approval process.

Two conditions must be met before Zai can switch it on:

You report your IFTIs to AUSTRAC. Only customers meeting their International Funds Transfer Instruction reporting obligations are eligible. You will be asked to evidence this. Zai provides the payment rail; you remain the reporting entity for your IFTIs.
Cuscal/AP+ have approved your use case. Your end-to-end fund flow is reviewed and approved, and certification testing is completed, before go-live.

To get started, contact your Account Manager — they'll guide you through enabling this service for your platform.

Prerequisites

Zai account with NPP Last Domestic Leg enabled (via the onboarding process above).
OAuth2 authentication implemented — see the Authentication Guide.
Webhooks configured — see the Webhook Guide.
Users created in Zai, with a bank account created for payouts and a funded wallet.
Sandbox access via dashboard.hellozai.com.

How it works

There are two distinct API interactions. Do not confuse them:

Bank account creation → Confirmation of Payee (CoP) name check. When a payout bank account is created, Zai performs an account-name matching (CoP) lookup and returns the match result. This validates the beneficiary; it does not move money.
Withdraw call → NPP Last Domestic Leg payout. The final domestic leg payout is initiated explicitly by calling the NPP Last Domestic leg withdraw endpoint with the required IFTI information. This is the step that sends funds over NPP.
Webhook → confirmation. A webhook confirms the payout was processed via NPP and that the IFTI information was recorded on the payment.

Quick start

1. Create a user

curl -X POST https://test.api.promisepay.com/users \
  -H "Authorization: Bearer {oauth_token}" \
  -H "Content-Type: application/json" \
  -d '{
    "id": "seller_456",
    "first_name": "Jane",
    "last_name": "Smith",
    "email": "[email protected]",
    "country": "AUS"
  }'

2. Create the payout bank account (triggers CoP name check)

curl -X POST https://test.api.promisepay.com/bank_accounts \
  -H 'content-type: application/json' \
  -d '{
    "user_id": "aaaaaaaa-bbbb-cccc-dddd-eeeeeeeeeeee",
    "bank_name": "Bank of Australia",
    "account_name": "Samuel Seller",
    "routing_number": "111123",
    "account_number": "111234",
    "account_type": "checking",
    "holder_type": "personal",
    "country": "AUS"
  }'

3. Initiate the last domestic leg payout (NPP Last Domestic Leg)

curl --request POST \
     --url https://test.api.promisepay.com/wallet_accounts/bd6e9c20-73f1-0138-fb91-0a58a9feac09/npp_last_domestic_leg \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "account_id": "c1824ad0-73f1-0138-3700-0a58a9feac09",
  "amount": 173,
  "custom_descriptor": "",
  "reference_id": "7190770-1-2908",
  "end_to_end_id": "PRTYAUXXXX",
  "ifti_information": {
    "instruction_identification": "BANKNTSTXXXI20180501000000000000010",
    "ultimate_debtor_information": {
      "name": "John Doe",
      "address": {
        "address_type": "ADDR",
        "department": "Finance",
        "sub_department": "Billing",
        "street_name": "Kent",
        "bldg_name": "123",
        "postcode": "2000",
        "town_name": "Sydney",
        "ctry_sub_division": "NSW",
        "country_code": "AU",
        "address_line": [
          "string"
        ]
      },
      "organisation_identification": [
        {
          "identification": "string",
          "identification_type_proprietary": "string",
          "identification_type_code": "BBAN",
          "identification_issuer": "string"
        }
      ],
      "organisation_bic": "SMPLAU2SXXX",
      "private_identification": [
        {
          "identification": "string",
          "identification_type_proprietary": "string",
          "identification_type_code": "BBAN",
          "identification_issuer": "string"
        }
      ],
      "date_place_of_birth": {
        "birth_date": "2026-06-11",
        "place_of_birth": "string",
        "city_of_birth": "string",
        "country_of_birth": "AU"
      },
      "country_of_residence": "AU",
      "contact_details": {
        "name_prefix": "DOCT",
        "name": "string",
        "phone_number": "string",
        "mobile_number": "string",
        "fax_number": "string",
        "email_address": "string",
        "other": "string"
      }
    },
    "charge_bearer": "CRED",
    "previous_instructing_agent": {
      "agent_bic": "YOURBIC1234",
      "clearing_system_identification": "BICCODE123",
      "clearing_system_member_identification": "BICCODE123MEM"
    },
    "creditor_agent_instruction": {
      "instruction_information": "sample",
      "code": "CHQB"
    },
    "initiating_party_information": {
      "name": "John Doe",
      "address": {
        "address_type": "ADDR",
        "department": "Finance",
        "sub_department": "Billing",
        "street_name": "Kent",
        "bldg_name": "123",
        "postcode": "2000",
        "town_name": "Sydney",
        "ctry_sub_division": "NSW",
        "country_code": "AU",
        "address_line": [
          "string"
        ]
      },
      "organisation_identification": [
        {
          "identification": "string",
          "identification_type_proprietary": "string",
          "identification_type_code": "BBAN",
          "identification_issuer": "string"
        }
      ],
      "organisation_bic": "SMPLAU2SXXX",
      "private_identification": [
        {
          "identification": "string",
          "identification_type_proprietary": "string",
          "identification_type_code": "BBAN",
          "identification_issuer": "string"
        }
      ],
      "date_place_of_birth": {
        "birth_date": "2026-06-11",
        "place_of_birth": "string",
        "city_of_birth": "string",
        "country_of_birth": "AU"
      },
      "country_of_residence": "AU",
      "contact_details": {
        "name_prefix": "DOCT",
        "name": "string",
        "phone_number": "string",
        "mobile_number": "string",
        "fax_number": "string",
        "email_address": "string",
        "other": "string"
      }
    },
    "ultimate_creditor_information": {
      "name": "John Doe",
      "address": {
        "address_type": "ADDR",
        "department": "Finance",
        "sub_department": "Billing",
        "street_name": "Kent",
        "bldg_name": "123",
        "postcode": "2000",
        "town_name": "Sydney",
        "ctry_sub_division": "NSW",
        "country_code": "AU",
        "address_line": [
          "string"
        ]
      },
      "organisation_identification": [
        {
          "identification": "string",
          "identification_type_proprietary": "string",
          "identification_type_code": "BBAN",
          "identification_issuer": "string"
        }
      ],
      "organisation_bic": "SMPLAU2SXXX",
      "private_identification": [
        {
          "identification": "string",
          "identification_type_proprietary": "string",
          "identification_type_code": "BBAN",
          "identification_issuer": "string"
        }
      ],
      "date_place_of_birth": {
        "birth_date": "2026-06-11",
        "place_of_birth": "string",
        "city_of_birth": "string",
        "country_of_birth": "AU"
      },
      "country_of_residence": "AU",
      "contact_details": {
        "name_prefix": "DOCT",
        "name": "string",
        "phone_number": "string",
        "mobile_number": "string",
        "fax_number": "string",
        "email_address": "string",
        "other": "string"
      }
    },
    "instructed_amount": {
      "currency": "AUD",
      "amount": "3.25"
    },
    "exchange_rate": "1.23",
    "payment_purpose_proprietary": "Prtry",
    "payment_information": {
      "remittance_information_unstructured": "MAP_RE_Happy",
      "payment_purpose_code": "EPAY"
    },
    "regulatory_reporting": [
      {
        "authority_name": "Name"
      }
    ],
    "remittance_information_structured": {
      "referred_document_amount": {
        "due_payable_amount": {
          "currency": "AUD",
          "amount": "3.25"
        }
      }
    },
    "related_remittance_information": [
      {
        "identification": "S010"
      }
    ]
  }
}

API reference — withdraw request (top-level fields)

Field	Required	Notes
`account_id`	Yes	The payout bank account (beneficiary) created in step 2.
`amount`	Yes	Payout amount in cents.
`reference_id`	Yes	Your unique reference for the payout. Use for idempotency/reconciliation.
`end_to_end_id`	Yes	End-to-end identifier carried across the payment chain.
`custom_descriptor`	No	Optional descriptor. No change to bank-statement narrative vs standard domestic payouts.
`ifti_information`	Yes	Object carrying the IFTI data. See below.

API reference — `ifti_information` (required fields)

Field	Required	Rules / enumeration
`instruction_identification`	Yes	Exactly 35 characters. Other lengths are rejected.
`ultimate_debtor_information`	Yes	Debtor (remittance customer) details, including address.
`…address.address_type`	Yes	One of: `ADDR`, `BIZ`, `DLVY`, `HOME`, `MLTO`, `PBOX`. Other values rejected (`RV01`).
`charge_bearer`	Yes	e.g. `CRED`, `DEBT`, `SHAR`, `SLEV`.
`previous_instructing_agent`	Yes	BIC of the FI immediately preceding Cuscal/Zai. Checked against your approved fund flow.
`creditor_agent_instruction`	Yes	BIC of the original FI in the chain. Checked against your approved fund flow.
`initiating_party_information`	Yes	Initiating party details.
`instructed_amount`	Yes	`{ currency, amount }` — `amount` is a decimal string in major units (e.g. `"173.00"`).
`ultimate_creditor_information`	Recommended	Beneficiary details where applicable.

The table above covers the key ifti_information fields only. Please check our API reference document for initiating the last domestic leg payout to see the full IFTI information that can be provided as part of the last domestic leg payout request.

Webhooks

After initiating the payout, verify via webhook that it was processed over NPP and that the IFTI information was recorded. Reconcile at least: reference_id, end_to_end_id, amount, status, and the presence of the IFTI block.

{
  "event": "payout.completed",
  "reference_id": "7190770-1-2908",
  "end_to_end_id": "PRTYAUXXXX",
  "rail": "NPP",
  "status": "completed",
  "ifti_information_recorded": true
}

Error handling and fallback

Scenario	Behaviour	What to do
Missing mandatory field	Request rejected with a required-field error.	Populate all mandatory IFTI fields before sending.
Invalid format / enum	Rejected (e.g. `RV01`) — e.g. `instruction_identification` not 35 chars, or invalid `address_type`.	Validate length and enumerations client-side.
Source account not recognised by Cuscal	Rejected at scheme level.	Raised during onboarding, not by integrators; contact Zai if seen.
Beneficiary not NPP-reachable	Falls back to Direct Entry if the marketplace is configured for DE fallback; otherwise funds return to the user wallet.	On DE fallback the IFTI information is not carried — this affects your own reporting. Handle both outcomes.

Example rejection

{
  "error_code": "RV01",
  "error_message": "ifti_information.instruction_identification ... invalid format."
}

Glossary (external name → internal identifiers)

Term	Meaning
NPP Last Domestic Leg	External product name.
IPS	NPP International Payments Service (AP+/NPP), governing the domestic leg of inbound international payments.
Withdraw endpoint	`POST /wallet_accounts/{wallet_id}/npp_last_domestic_leg`
Feature configuration	`npp_ifti_payer` (internal toggle that enables the feature for a marketplace).
IFTI	International Funds Transfer Instruction (AUSTRAC reporting concept).
CoP	Confirmation of Payee — account-name matching at bank-account creation.

Support

Docs: developer.hellozai.com
Support: [email protected]
Dashboard: dashboard.hellozai.com

FAQs

1. Can I tell Last Domectic Leg payouts apart from standard domestic payouts?
Yes — NPP Last Domestic Leg payout uses a dedicated withdraw endpoint and validates the required IFTI fields before processing over NPP.

2. What appears on the beneficiary's bank statement?
No change versus standard domestic payouts — the same reference/description applies.

3. How do I reconcile Last Domestic Leg payouts?
The same way as your existing domestic payout reconciliation.

4. What happens if the beneficiary account is not NPP-reachable?
If your marketplace is configured for DE fallback, the payout goes via Direct Entry and IFTI information is not carried. Otherwise funds return to the user wallet.

5. Who can use NPP Last Domestic Leg Service?
Only clients meeting their IFTI reporting obligations (typically to AUSTRAC). Eligibility is confirmed by Zai's Risk & Compliance team during onboarding; proof of the reporting obligation is required.

Key benefits

Eligibility and access (read first)

IPS Payer is not self-service

Prerequisites

How it works

Quick start

1. Create a user

2. Create the payout bank account (triggers CoP name check)

3. Initiate the last domestic leg payout (NPP Last Domestic Leg)

API reference — withdraw request (top-level fields)

API reference — ifti_information (required fields)

Webhooks

Error handling and fallback

Glossary (external name → internal identifiers)

Support

FAQs

API reference — `ifti_information` (required fields)